Good subject.

It would also be wise to add (if seriously ill or injured; Chris Reeves(superman) comes to mind) type of scenario. I have seen people in bed for many years before they died.

Regarding envelopes, I have given my oldest daughter a folder that contains everything, and I mean everything , including passwords ..etc.

BTW, don't forget to give your family a paper folder containing a list of services (phone, electric and water bills ..etc.) . Every month, I sit at the laptop and log-in the bank account which is linked to bill payment service, and pay the bills. A guy I know went to prison, and suddenly his family found themselves unable to pay the electric bills because (a) they couldn't access the bank account, (b) they didn't had access to his phone (which receives log-in confirmations codes) ; the phone was confiscated as evidence. So, the family was paralyzed although the guy is still alive !!!